New York car insurance: requirements & free quotes
New York is a no-fault state requiring $50,000 of personal injury protection plus liability and uninsured motorist coverage. Driving conditions range from dense New York City traffic to lake-effect snow upstate.
Minimum coverage in New York
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$10,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident ($50,000 / $100,000 for death)
Property damage liability $10,000
Personal injury protection (PIP) $50,000
Uninsured motorist $25,000 per person / $50,000 per accident
Shown as 25/50/10 + PIP 50,000 + UM 25/50. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in New York
- Completing a DMV-approved accident-prevention course can earn a discount on liability and collision premiums.
- Consider supplementary uninsured/underinsured motorist coverage for stronger protection.
- Comprehensive coverage helps with theft and winter weather damage.
- Higher liability limits are worth pricing for dense urban driving.
We connect drivers across New York
Including New York City, Buffalo, Rochester, Yonkers and Syracuse — and smaller towns in between. Availability depends on agencies serving your ZIP code.
New York car insurance FAQ
Yes. New York is a no-fault state, so after most accidents your own personal injury protection (PIP) pays for your injuries first, regardless of who caused the crash. Lawsuits are limited unless injuries meet the state's threshold.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.